CAZIMI
ActiveSummary
CAZIMI has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283,106 and a net result of -€10,788. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-69
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 8.49 against 5.09 in 2024; short-term debt: 11.6% and cash: 37.1% of total assets), and 11.6% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
on the day
2021
31 d late
2019
2 d early
2018
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#8 company by equity in Mortsel, Telecoms and IT sector
Equity
€283,106▼ 3.7%
2024 · €293,894
Total assets
€320,184▼ 11.9%
2024 · €363,296
Net result
-€10,788
2024 · €43,505
Working capital
€277,736▼ 2.2%
2024 · €284,073
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42,860-€38,631▼ 9.9%€65,510▲ 69.6%€62,658▼ 4.4%-€5,241
Net result€29,168within the sector's middle half-€25,549within the sector's middle half▼ 12.4%€46,774within the sector's middle half▲ 83.1%€43,505within the sector's middle half▼ 7.0%-€10,788below the sector's middle half
Equity€182,932above the sector's middle half-€206,881above the sector's middle half▲ 13.1%€252,055above the sector's middle half▲ 21.8%€293,894above the sector's middle half▲ 16.6%€283,106above the sector's middle half▼ 3.7%
Total assets€235,118within the sector's middle half-€261,497within the sector's middle half▲ 11.2%€330,947above the sector's middle half▲ 26.6%€363,296above the sector's middle half▲ 9.8%€320,184above the sector's middle half▼ 11.9%
Debt€52,185-€54,616▲ 4.7%€78,892▲ 44.4%€69,403▼ 12.0%€37,078▼ 46.6%
Working capital€170,803above the sector's middle half-€198,946above the sector's middle half▲ 16.5%€237,956above the sector's middle half▲ 19.6%€284,073above the sector's middle half▲ 19.4%€277,736above the sector's middle half▼ 2.2%
Solvency77.8%within the sector's middle half-79.1%within the sector's middle half▲ 1.3pp76.2%within the sector's middle half▼ 3.0pp80.9%within the sector's middle half▲ 4.7pp88.4%above the sector's middle half▲ 7.5pp
Current ratio4.27within the sector's middle half-4.64within the sector's middle half▲ 0.374.02within the sector's middle half▼ 0.635.09within the sector's middle half▲ 1.088.49above the sector's middle half▲ 3.40
Return on assets (ROA)12.4%within the sector's middle half-9.8%within the sector's middle half▼ 2.6pp14.1%within the sector's middle half▲ 4.4pp12.0%within the sector's middle half▼ 2.2pp-3.4%below the sector's middle half▼ 15.3pp
Staff (FTE)0.3-1▲ 233%1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,241 after €62,658 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €320,184
Fixed assets
€5,370 ▼ 45.3%
Current assets
€314,814 ▼ 10.9%
Equity and liabilities €320,184
Equity
€283,106 ▼ 3.7%
Debt
€37,078 ▼ 46.6%
Debt's share of the balance-sheet total falls from 19.1% to 11.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€790▼
2024 · €67,675
Cash flow
-€6,337▼
2024 · €48,522
Debt to equity
0.13▼
2024 · 0.24
ROE
-3.8%▼
2024 · 14.8%
Interest coverage
-0.64▼
2024 · 48.77
Debt ≤ 1 year
€37,078▼
2024 · €69,403
Income taxes
€4,323▼
2024 · €17,971
Staff costs
€2,059▼
2024 · €20,990
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €5,767 | €19,001 | €19,837 | €20,990 | €2,059 | ▼ 90.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,100 | €4,803 | €5,373 | €5,017 | €4,451 | ▼ 11.3% |
| Other operating charges640/8 | €483 | €421 | €687 | €355 | €423 | ▲ 19.1% |
| Gross operating margin9900 | €60,210 | €62,855 | €91,408 | €89,020 | €1,691 | ▼ 98.1% |
| Operating profit (loss)9901 | €42,860 | €38,631 | €65,510 | €62,658 | -€5,241 | ▼ 108% |
| Financial income75/76B | €137 | €0 | €222 | €205 | €17 | ▼ 91.6% |
| Recurring financial income75 | €0 | €0 | €222 | €205 | €17 | ▼ 91.6% |
| Non-recurring financial income76B | €137 | - | - | - | - | - |
| Financial charges65/66B | €834 | €1,134 | €876 | €1,388 | €1,241 | ▼ 10.5% |
| Recurring financial charges65 | €834 | €1,134 | €876 | €1,388 | €1,241 | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €42,163 | €37,497 | €64,856 | €61,476 | -€6,465 | ▼ 111% |
| Income taxes67/77 | €12,995 | €11,948 | €18,082 | €17,971 | €4,323 | ▼ 75.9% |
| Profit (loss) for the period9904 | €29,168 | €25,549 | €46,774 | €43,505 | -€10,788 | ▼ 125% |
| Profit (loss) for the period to be appropriated9905 | €29,168 | €25,549 | €46,774 | €43,505 | -€10,788 | ▼ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €235,118 | €261,497 | €330,947 | €363,296 | €320,184 | ▼ 11.9% |
| Fixed assets21/28 | €12,129 | €7,935 | €14,099 | €9,820 | €5,370 | ▼ 45.3% |
| Tangible fixed assets22/27 | €12,129 | €7,935 | €14,099 | €9,820 | €5,370 | ▼ 45.3% |
| Plant, machinery and equipment23 | €9,187 | €5,560 | €2,938 | €1,699 | €1,047 | ▼ 38.3% |
| Furniture and vehicles24 | €2,942 | €2,374 | €11,161 | €8,121 | €4,322 | ▼ 46.8% |
| Current assets29/58 | €222,988 | €253,562 | €316,848 | €353,476 | €314,814 | ▼ 10.9% |
| Amounts receivable within one year40/41 | €25,543 | €36,376 | €34,337 | €40,754 | €34,111 | ▼ 16.3% |
| Trade receivables40 | €23,293 | €36,376 | €34,291 | €40,754 | €27,921 | ▼ 31.5% |
| Other amounts receivable41 | €2,250 | - | €46 | - | €6,191 | - |
| Current investments50/53 | €60,000 | €60,000 | €160,193 | €160,347 | €160,293 | = |
| Cash at bank and in hand54/58 | €135,635 | €155,311 | €121,687 | €150,668 | €118,663 | ▼ 21.2% |
| Deferred charges and accrued income490/1 | €1,810 | €1,874 | €630 | €1,707 | €1,747 | ▲ 2.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €235,118 | €261,497 | €330,947 | €363,296 | €320,184 | ▼ 11.9% |
| Equity10/15 | €182,932 | €206,881 | €252,055 | €293,894 | €283,106 | ▼ 3.7% |
| Contributions10/11 | €18,600 | €18,600 | €20,460 | €20,460 | €20,460 | = |
| Outside capital11 | €18,600 | €18,600 | €20,460 | - | - | - |
| Other1109/19 | €18,600 | €18,600 | €20,460 | - | - | - |
| Reserves13 | €164,332 | €188,281 | €231,595 | €273,434 | €262,646 | ▼ 3.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Other1319 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €17,440 | €17,440 | €17,440 | €17,440 | - | - |
| Distributable reserves133 | €145,032 | €168,981 | €214,155 | €255,994 | €262,646 | ▲ 2.6% |
| Profit (loss) carried forward14 | - | - | - | €0 | - | - |
| Amounts payable17/49 | €52,185 | €54,616 | €78,892 | €69,403 | €37,078 | ▼ 46.6% |
| Amounts payable within one year42/48 | €52,185 | €54,616 | €78,892 | €69,403 | €37,078 | ▼ 46.6% |
| Trade debts44 | €18,929 | €6,102 | €17,373 | €24,965 | €5,239 | ▼ 79.0% |
| Suppliers440/4 | €18,929 | €6,102 | €17,373 | €24,965 | €5,239 | ▼ 79.0% |
| Taxes, remuneration and social security45 | €5,045 | €20,283 | €32,357 | €15,075 | €3,678 | ▼ 75.6% |
| Taxes450/3 | €4,222 | €13,466 | €28,383 | €8,412 | €3,564 | ▼ 57.6% |
| Remuneration and social security454/9 | €823 | €6,817 | €3,974 | €6,663 | €114 | ▼ 98.3% |
| Other amounts payable47/48 | €28,211 | €28,231 | €29,162 | €29,363 | €28,161 | ▼ 4.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,168 | €25,549 | €46,774 | €43,505 | -€10,788 | ▼ 125% |
| + Depreciation and write-downs630 | €11,100 | €4,803 | €5,373 | €5,017 | €4,451 | ▼ 11.3% |
| Operating cash flow (approximation) | €40,268 | €30,351 | €52,148 | €48,522 | -€6,337 | ▼ 113% |
| Investment in fixed assets (approximation) | - | -€608 | -€11,538 | -€738 | €0 | ▲ 100% |
| Change in cash | - | €19,676 | -€33,624 | €28,981 | -€32,005 | ▼ 210% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€10,788
Net result drops to -€10,788, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €46,774 ▲83.1%
Operating result €65,510, net result €46,774, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €206,881 ▲13.1%
4 profitable years in a row build equity to €206,881.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150,000Eq €182,932 ▲54.1%
3 profitable years in a row build equity to €182,932.
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100,000Eq €118,703 ▲25.9%
2 profitable years in a row build equity to €118,703.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mortsel · 1 establishment unit since 2014
Ground area
310 m²
Building footprint
93 m²
Volume, LiDAR
630 m³
Parcel 11029A0267/00N002, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IS Consulting
since 20142.229.871.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11029A0267/00N002 | Flanders | 310 m² | 1 · 93 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 579 EUR awarded · 579 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 186 EUR | 186 EUR |
| 2022 | 1 | 393 EUR | 393 EUR |
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Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. 13,898 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-04-2014
Fiscal year end31-12
Trade name NL
Ideas and solutions consulting, Ideas&solutions consulting, Cazimi Consulting, IS CONSULTING
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0550885566
Also
9925:BE0550885566
Registered
04-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.